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FOIR means Fixed Obligations to Income Ratio. It's the ratio of your debt to income. FOIR is calculated by dividing your total debt by monthly income and multiplying it by 100. Your total debt can include EMIs on existing loans, credit card bills, investment deductions, contribution to PF, monthly living expenses, rent and professional tax. Your monthly income can include your monthly salary and rental income. FOIR is one of the factors determining your loan eligibility. A lower FOIR means lower monthly obligations, which improves your repayment capacity. A low FOIR (40-55%) can boost your loan eligibility.